Retirement Articles
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Should a Living Trust Be Beneficiary of Your IRA?
There are only a few instances your heirs aren’t penalized when you name a trust as the beneficiary of your IRA. A recent IRS ruling gives an example, but the ruling also reveals the pitfalls of the strategy. The general rule is when an IRA beneficiary is not an individual, the IRA must be distributed […]
How to Decide Whether to Convert an IRA and How Much to Convert
The Roth IRA is one of the most powerful tax and retirement planning tools available, yet it is misunderstood and often misused.The investment income in a Roth IRA compounds tax free, and most Roth IRA distributions are tax free. In addition, there are no required mini-mum distributions (RMDs) during the original owner’s life. Distributions also […]
Estate, Gift and Income Tax Amounts Increased for 2021
The IRS announced the annual inflation increases for various tax provisions, effective as of January 1, 2021.The lifetime estate and gift tax exemption increased to $11.7 million from $11.58 million. A couple can jointly exclude $23.4 million. The annual gift tax exclusion remains $15,000 for 2021. The standard deduction for married couples filing jointly is […]
Estate Planning for IRAs After the Secure Act
Estate plans for taxpayers with substantial individual retirement accounts (IRAs) were upended by the Setting Every Community Up for Retirement Enhancement (SECURE) Act, enacted in December 2019. The key provision of the SECURE Act ended the Stretch IRA. In a Stretch IRA, the beneficiary maximized the IRA’s tax deferred com-pounding of income and gains by […]
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Bob’s Journal for 11/25/20
Happy Thanksgiving in This Unique, Eventful Year of 2020 Happy Thanksgiving in this unique, eventful year. I’m preparing this week’s Bob’s Journal early so you receive it before the holiday. I’m dispensing with the regular format to let you know that my wife, Elaine, and I thank you for the opportunity to help you establish […]
Retirement Savings Tip: Stop Spending Too Much on Prescription Drugs!
In last week’s issue of Retirement Watch Weekly, I presented What You Need to Know About the Prescription Coverage Gap. We’ll continue on that track this week, with the best ways to save money on your prescription drugs. Prescription drugs are a major spending item for many retirees, and the cost of prescription drugs is […]
Bob’s Journal for 11/19/20
Some Notable Events That Grabbed My Attention This Week Earlier today, I taped an interesting and well-attended teleconference with my readers. These teleconferences are a bonus feature of your Retirement Watch membership. One highlight of the teleconferences is that participants submit questions for me to answer. A number of good questions were submitted, more than […]
“The Three Things You Must Do Before the End of the Year” Conference Call 11/19/20
Welcome to my subscriber-only conference call: The Three Things You Must Do Before the End of the Year. Click on the image below to listen to the conference call. Click Here Now to Learn More About the Lifetime Retirement Protection Program
